craig, if you come dot stage, i'll hand the podium over. [applause] >> thank you, coming from the south, we often time -- comedians make fun of southerners, and they make fun of things we call signs, it's a sign if -- so let me give you one that it might be a sign if the private sector will not insure you. ever thought about that? we oftentimes get so loss in talking about policy and cause and the debates over climate change, is it real, not real, manmade, not manmade. i work pretty much in the world of outcomes and not in theory. it happens, you deal with it. i asked myself if the private sector with all of their financial resources and tools cannot figure out how to make money off your risk, it might be a sign. they can do it for house fires, can't they? they can do it for your car as bad as a driver is in dc, they can insure you, and you can afford it; right? you might not like it, but you can afford it. they figured out how to make that work. how come they can't do earthquakes? how come they can't do floods? how come they are not doing